The Conflicted Sale

A referral from a trusted adviser like one’s CPA usually helps to mitigate risk in selecting an investment adviser. However, just because a CPA works with numbers and is tax savvy doesn’t mean they are fully aware of the many potential conflicts that an...

When the Message is Clear

I was doing a 401k education and enrollment session at one of the health care clinics I service. One of the attendees was especially attentive and she was taking very detailed notes. After finishing the presentation, she approached me for some more information. “I...

Big-Brand Boilerplate Solution

A common misconception is that a big brand name financial adviser gives you safety, more resources, and a better outcome for your investment dollars. The set of facts below looks at the reality of big company business models. Corporations look for economies of scale...